Tips To Speed Up Files Through Underwriting

Application / Administration

Clearly mark linked applications and clip applications together. For example, family members or business partners who are to be underwritten together.

Include the policy number on all correspondence.

Send a cover letter to explain any unusual or complex situations.

Indicate all requirements ordered on Advisor's section on the application.

Request Personal History Tele-Interview on Advisor's section on the application

Send a cover sheet with applications indicating a contact name, telephone number and email address.

Ensure that all appropriate signatures are on the application.

Submit an Illustration if it is required – i.e. Universal Life policy.

Ensure that requirements are ordered through paramedical companies that are approved by Empire.

Personal History Tele-Interviews, Inspection Reports and APS' are ordered by Empire Life Head Office.

Medical & Personal history

Answer all questions either Yes or No – we cannot accept N/A, leaving a question blank or crossing out the question.

Provide full details on a YES answer – complete the appropriate questionnaire and this may help to avoid APS ordering – i.e. – asthma, depression, etc.

Don't use occupational descriptions such as: self employed, maternity leave, consultant. Be specific as to what the client does, what type of business they own or what they did before going on maternity leave.

Don't use medical result descriptions such as OK or fine. Be specific and tell us if the results were normal, abnormal, no concerns etc.